Capfin Loan Contact Details

For a question about a Capfin loan you already have, call 087 354 0000 (weekdays 08:00 to 18:00) or email info@capfin.co.za. Loan documents go to docs@capfinmail.co.za with your SA ID number in the subject line, and a Capfin Credit Life claim goes to the insurer, Abacus Life, on 0800 777 444. These details were read on capfin.co.za and abacus-insurance.co.za on 16 September 2026.

ContactDetails.co.za is an independent directory. We are not Capfin and cannot see a loan balance, a statement or an application.

Official provider route

What it is for	Contact
Existing loan queries, new cellphone number, checking whether documents on file are still valid	087 354 0000, info@capfin.co.za
Sending payslips, bank statements or ID after applying	docs@capfinmail.co.za (SA ID number in the subject line), fax 086 688 0000, or the upload tab on capfin.co.za
Help by SMS	SMS “HELP” to 43679, as listed in Capfin’s loan terms
Missed instalment or payment arrangement	Collections Department 087 285 1234
Capfin Credit Life claim (death, disability, loss of income)	Abacus Life 0800 777 444, claims@abacus-insurance.co.za
Free Death Benefit claim by family or executor	info@capfin.co.za or legal@capfin.co.za
Loan documents in Afrikaans, Sesotho, isiZulu or isiXhosa	legal@capfin.co.za

The documents mailbox sits on capfinmail.co.za rather than capfin.co.za. That address is printed in Capfin’s own FAQs, so it is genuine, but type it exactly and do not send documents to any other variation.

Capfin’s office is at 1 Industrie Street, Kuils River, Cape Town, 7580. Capfin is a division of Pepkor Trading (Pty) Ltd and a registered credit provider, NCRCP13053. The contact centre is open on weekdays from 08:00 to 18:00; WhatsApp 066 000 0683 and the USSD code *134*6454# are listed as further channels. Abacus Life’s claims lines run Monday to Friday, 08h00 to 17h00.

Product or service support

Pay-out and DebiCheck. An approved loan is paid within 48 business hours, but only once you approve Capfin’s DebiCheck mandate through your bank. If you have not confirmed it within 48 hours, the loan is not paid. You must approve a new mandate whenever you change your bank details or pay date, or if the loan is rescheduled.

Statements and debit orders. Capfin’s loan terms say you receive an updated statement every three months by SMS, with a link to the statement. The debit order shows as “Capfin” on your bank statement, and December instalments may be collected from the Friday before 14 December. If the account falls into arrears, Capfin may collect up to one and a half times the instalment on top of the normal instalment. To move your pay date or bank account, log in and use “Change My Payment Details” under Your Active Loans, or “Change Payment Details” under My Details.

Eligibility, account or policy requirements

Capfin lends up to R50 000, depending on an affordability assessment of your income, expenses, credit profile and payment behaviour. Its FAQ gives this cost example for a first loan of R4 000 over 12 months, at July 2026 rates: maximum interest 28% a year, an initiation fee of R535, a maximum monthly service fee of R69, credit life of R14 a month, a maximum instalment of R516 and a maximum total repayment of R6 190. The same FAQ describes 6 and 12 month terms but also shows a 24 month example, so check the term on your own quotation.

Credit life. Credit life is required with every Capfin loan, costs R5.50 a month per R1 000 borrowed, and settles the outstanding balance on death, disability or loss of qualifying income. You may replace it with your own equivalent policy, and cancelling needs 31 days’ written notice to the insurer. There is no waiting period for death or disability claims; loss-of-income claims carry a three month waiting period on loans longer than six months. For a death claim, Abacus asks for a copy of the deceased’s ID. Loans paid out before 22 June 2023 also carry Capfin’s Free Death Benefit, which writes off the outstanding balance: the family or executor emails the ID, the death certificate and, where applicable, letters of executorship, and Capfin then verifies the death itself.

Escalation route

1. Lodge the complaint with Capfin on 087 354 0000 or info@capfin.co.za, the route named in its loan terms.
2. For a disputed credit life claim, write to complaints@abacus-insurance.co.za.
3. If the outcome is still unsatisfactory, take it to the National Financial Ombud Scheme on 0860 800 900 or info@nfosa.co.za. Capfin’s loan terms also list the Credit Ombudsman on 0861 66 2837.
4. A breach of the National Credit Act can be reported to the National Credit Regulator on 0860 627 627 or complaints@ncr.org.za.

Sources

• capfin.co.za: FAQs (loan products, applications, payments, DebiCheck, credit life, Free Death Benefit), Contact Us and loan Terms and Conditions, read 16 September 2026
• abacus-insurance.co.za: Contact Us, read 16 September 2026
• nfosa.co.za published contact details